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How Transactional Funding with Straightline Works
Step 1
Submit Your Deal
Send us your A-B and B-C contracts. Our team opens your file and confirms what's needed to fund your double closing.
Step 2
We Coordinate with Closing
We work with the title company or law firm to ensure documents and wires are ready for the A-B and B-C transactions.
Step 3
Fund & Close
On closing day, Straightline provides the funding for the A-B purchase. You complete the B-C sale and keep your wholesale profit.
We're more than a lender. We areYour Lender.
At Straightline Funding, we’re built for the way you do deals. We have a dedicated transactional funding team, so every step from proof of funds to the wire runs fast, clean, and predictable.
Your deals never fit a template, and neither does our support. You get direct access to decision-makers who understand A-to-B and B-to-C closings, coordinate with your title team, and keep communication tight so you can stay focused on negotiations.
Our terms are transparent and our documentation is streamlined for same-day, back-to-back closings. Share the essentials, and we’ll handle the details with clear timelines, clear payoff, no surprises.
The Straightline Difference
Direct Lender for Investors
since 2006
Fast, Efficient Closings on your timeline
Low Fees. 0.75% Funding Fee and No Junk Fees
Nationwide Coverage including rural areas
Funding for Residential, Commerical and Land Flips
Dedicated Transactional Funding Team
Check out a few recent closings
We love helping our wholesaler clients maximize their profits! Check out some recent deals from clients actively using our Transactional Funding Program to build wealth and do more deals.
Cincinnati, OH
Wholesaler Price: $147,500
Resale Price to End Buyer: $160,000
Transactional Funding Fee: $1,050
Wholesaler Profit: $11,000
Nashville, TN
Wholesaler Price: $1,254,000
Resale Price to End Buyer: $1,350,000
Transactional Funding Fee: $12,000
Wholesaler Profit: $84,000
Fort Collins, CO
Wholesaler Price: $355,000
Resale Price to End Buyer: $380,000
Transactional Funding Fee: $2,600
Wholesaler Profit: $22,400
Tybee Island, GA
Wholesaler Price: $430,000
Resale Price to End Buyer: $485,000
Transactional Funding Fee: $3,225
Wholesaler Profit: $51,000
FAQs About Transactional Funding
What is Transactional Funding?
Transactional Funding is a short-term loan provided to wholesalers who buy and re-sell a property the same day. These are often called “Double Closings.”
In a typical transaction:
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Party A – Original seller
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Party B – Wholesaler (you)
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Party C – End buyer
These are sometimes referred to as “A–B / B–C Transactions.”
When is Transactional Funding Needed?
Our clients use Transactional Funding for three main reasons:
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Non-Assignable Contracts: Common when buying off the MLS, or from banks and government entities (HUD, FHA, Fannie Mae, etc.).
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Protecting Wholesale Markup: Using a double close instead of an assignment hides your profit margin from the end buyer.
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State Compliance: Certain states restrict or prohibit assignment of contracts, making transactional funding necessary.
What are the Minimum and Maximum Funding Amounts?
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Up to $1,000,000: 0.75% fee (minimum $1,000)
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$1,000,001–$2,000,000: 1.50% fee
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Fees are based on the A–B purchase price. There are no upfront fees.
Is Credit a Factor?
No. We do not check credit or require bank statements, tax returns, or personal financials
Do Both Closings Have to Use the Same Title Company?
Yes, Both the A-B and B-C closiings must occur at the same title company or settlement office.
(Exceptions may be possible, speak to your loan officer if needed.)
Do You Provide Proof of Funds Letters?
Yes, we offer Proof of Funds Letters to our clients. Click the "Request Proof of Funds" button below, complete the form with your requested POF, and we'll email you the letter in PDF Format.
How Fast Can You Fund a Deal?
To ensure a smooth process, we recommend submitting your file once both the A-B and B-C contracts are in place and you're ready to begin the title process. This helps our team coordinate with your title agent and avoid delays. We can fund deals on very short notice, including same day, when all required documentation is provided and title is clear. Same day and very short term funding will depend on our current loan volume, deal size and deal complexity.
